Date of application

These guidelines apply from 30 June 2021.

Sections 5 and 6 apply to loans and advances that are originated after 30 June 2021. Section 5 also applies to loans and advances that already exist on 30 June 2021 if their terms and conditions have been changed after 30 June 2022, provided that the changes follow a specific credit decision approval, and if their implementation requires a new loan agreement with the borrower or an addendum to the existing agreement.

Section 7 applies to any valuation, monitoring and revaluation of immovable property and movable property collateral, excluding financial collateral, conducted after 30 June 2021.

Section 8 applies to all credit facilities originated after 30 June 2021.